BUSINESS LOANS - GET A LOW COST SMALL BUSINESS LOAN

Please find below providers of a range of business loans. You can easily compare essential areas such as rate (is it fixed or variable?), terms and conditions and requirements. There are many types of business loans available on the UK market – whether you need cash for a new start-up or whether you require a large loan over a long term (up to around 20 years). You can choose from independent cash advances to mainstream bank business loans – the terms vary accordingly. It is important that you check if there is a penalty for early repayment and whether you will be required to secure the business loan against a property. Whether you need £1,000 or £1 million, you can find a business loan to suit you and your business. Before taking any kind of loan, make sure you are prepared for repayments. Once you have chosen a suitable business loan, simply click on the product you want for more information or to make an application.

Everline provides fast, flexible and convenient credit to entrepreneurs looking to expand their business, manage working capital, or fill a cash gap. Repay early to save on interest, no early repayment fees DETAIL INFORMATION >>

BizNiz is a great alternative to a business loan and the ideal solution if the bank says no. Your business will receive a cash advance of between £3,500 to £100,000 and you repay via an agreed % deduction of your card processing batch, which means you only repay what you can afford. If your business takes payments with a card machine you can apply! DETAIL INFORMATION >>

Workingcapital4u provides you with working capital, a business loan, quickly and easily, that will help you to achieve your business growth. They serve the financial needs of small and mid-sized businesses by providing a great alternative to a business loan. Workingcapital4u offer you a business cash advance against your future credit card sales. Through an automated process, they retrieve a fixed percentage from each sale you make as it is settled; they only get paid when you do! Please read the terms and conditions. DETAIL INFORMATION >>

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Business loans explained

It doesn’t matter if you are a limited company or sole trader partnership company, you can find a range of loans which you can use for whichever business requirements you have – whether you are starting a new enterprise and need a kick start or if you need a long-term boost. You can get a business loan from mainstream banks and lenders or from one of many independent lenders. The best way to go about finding one to suit you and your business is by taking some time to work out exactly what you want. You can find flexible cash advances, fixed rate loans and start up finance. Choosing the right one is much like choosing any other type of loan, you will need to compare interest rates, terms, loan periods and consider exactly what you can afford to borrow before selecting a loan provider.

Is my business eligible for a loan?

The criterion laid out for business loans varies greatly depending on the lender and the size of the loan. Some lenders require applicants to run a business with an annual turnover that is up to £25 million while other companies ask for much less (£3,500 a month is normal). You might need to prove your business credentials and provide the lender with merchant credit/debit statements. When you are looking for a business loan, look at what is asked on the application form to avoid disappointment.

How much can I borrow with a business loan?

Again, this varies hugely – you can get loans of between £1,000 and £25,000 and others which allow you to borrow up to £1 million and beyond. Note that depending on the size of your loan, your loan might be secured against a property – so bear in mind that you risk having that property repossessed if you do not keep up with repayments.

Read the terms and conditions

It is essential that you read the terms and conditions of any loan which you want in great detail. business loans are particularly serious financial products and need to be treated carefully. If you default on abusiness loan you will severely damage your credit rating and you may incur expensive penalty charges. You may also bankrupt your business and you will not be able to borrow again. It is often worth seeking expert financial advice before applying for a business loan.

How to compare business loans

Searching for the most suitable business loan can be a challenge which is why you should ensure you do your research properly to ensure your business is not jeopardised. Use the Which Way To Pay table above to compare information, such as the provider, product, APR and monthly repayments so you can find a suitable business loan for you. Always ensure you read the terms and conditions so you can be sure your business loan is suitable. If you are in any doubt you must seek independent financial advice.

Whether a limited company or a sole trader – to start the ball rolling can be difficult, and a business loan can be the only solution to give one's enterprise a proper start. To make a company grow, it also needs investments from time to time - and here again a business loan can help you to move forward.